Browsing by Author "Hayhoe, Celia Ray"
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- Borrowing Against the Future: Practices, attitudes and knowledge of financial management among college studentsMicomonaco, Justin P. (Virginia Tech, 2003-04-23)A prominent problem for college students today is the rising levels of debt associated with attending college. College students are graduating with more educational debt than ever before. In addition, the use of high-interest credit cards compounds the educational debt they already face by significant amounts. This significant debt has been linked to adverse effects post-graduation in terms of employment, savings and making major purchases. To assist college students with this growing concern, it is necessary to understand their practices, attitudes toward and knowledge of financial management. This study addressed three dimensions of financial management: practices, attitudes and knowledge. I administered a pencil and paper survey to a convenience sample at a large research university in the mid-Atlantic region. The instrument consisted of three scales. The first section measured financial management practices by gathering data about ownership of credit cards and types of debt and the practices that led to these debts. The second section measured participants' attitudes toward financial management in terms of their comfort with money management practices. In the last section, items tested the participants' knowledge of personal financial management. The study found that college students continue to assume large amounts of debt during their undergraduate years. Further minorities, women and students from low SES tend to have higher levels of debt. In addition, college students report relatively positive attitudes toward finances, however lack positive attitudes and practices related to future events. Finally, all college students continue to score poorly on measures of knowledge about financial management.
- Children and Family Finances. Kid's AllowanceJones, Sheree; Hayhoe, Celia Ray (Virginia Cooperative Extension, 2009-12-23)There are seven main categories on which the USDA bases its calculations for raising a child: housing, food, transportation, clothing, health care, childcare, education, and miscellaneous goods and services. This is an overview of kid's allowance.
- Children and Family Finances. Paying for CollegeHayhoe, Celia Ray (Virginia Cooperative Extension, 2009-12-23)There are seven main categories on which the USDA bases its calculations for raising a child: housing, food, transportation, clothing, health care, childcare, education, and miscellaneous goods and services. This is an overview of paying for college.
- Children and Family Finances. Saving for CollegeHayhoe, Celia Ray; Hsu, Chungwen (Virginia Cooperative Extension, 2009-12-23)There are seven main categories on which the USDA bases its calculations for raising a child: housing, food, transportation, clothing, health care, childcare, education, and miscellaneous goods and services. This is an overview of saving for college.
- Children and Family Finances. Tax BenefitsHayhoe, Celia Ray; Hsu, Chungwen (Virginia Cooperative Extension, 2009-12-23)There are seven main categories on which the USDA bases its calculations for raising a child: housing, food, transportation, clothing, health care, childcare, education, and miscellaneous goods and services. This is an overview of tax benefits.
- Children and Family Finances. The Cost of Raising a ChildHayhoe, Celia Ray; Hsu, Chungwen (Virginia Cooperative Extension, 2009-12-23)There are seven main categories on which the USDA bases its calculations for raising a child: housing, food, transportation, clothing, health care, childcare, education, and miscellaneous goods and services. This is an overview of those seven categories.
- Correcting America's Childhood Literacy Campaign: The Neglected Aspect of Financial ThemesHunt, Davina Latoya (Virginia Tech, 2006-04-14)Financial responsibility within the United States volleys between the individual and outside agencies frequently; however, the uninformed individual suffers financially as a result. Integrating concepts of personal finance and children's literature together will promote life-sustaining habits of personal finance and will likely lessen the prevalence of a culture that does not stress financial literacy.
- Deciding if Bankruptcy is an Option for YouHayhoe, Celia Ray; Goebel, Karen P. (Virginia Cooperative Extension, 2009-05-01)When you have incurred more debt than you think you can reasonably repay, bankruptcy may be a way to debt relief. Filing for bankruptcy, however, brings long-term consequences for your credit rating. This is an overview of those benefits and consequences of bankruptcy.
- Disability Income InsuranceHayhoe, Celia Ray; Smith, Mike, CPF (Virginia Cooperative Extension, 2009-06-01)The purpose of disability income insurance is to partially replace your income if you are unable to work because of sickness or an accident. This guide reviews the types of disability insurance, important terms and concepts and employer provided benefits.
- Emergencies : are you prepared? : your personal checklist of important documentsFlashman, Robert H.; Hayhoe, Celia Ray; Lesueur, Alex (Virginia Cooperative Extension, 2003)
- Emergencies. Are You Prepared? Your Personal Checklist of Important DocumentsFlashman, Robert H.; Hayhoe, Celia Ray; Lesueur, Alex (Virginia Cooperative Extension, 2009-05-01)Life's emergency situations require advance preparation and planning. The first step is organizing your papers and communicating with appropriate individuals. Provided is a checklist to help organize and document important papers and household items.
- Estate Planning Documents In Virginia Among Adults 50 And Over With At Least One Adult ChildHorkey, Cynthia (Virginia Tech, 2009-02-06)This study examined the relationship between demographics, attitudes, and subjective norms (influences) on Virginia adults over 50 with at least one adult child and the presence of estate planning documents. The Theory of Reasoned Action (Azjen & Fishbein, 1980) was applied using a secondary data set of 189 participants. Regression analyses examined paths from external variables (demographics), attitudes toward the behavior, and subjective norms to the intention and behavior. Intention and behavior were defined as the possession, intention to possess, and non-intention to possess estate planning documents. Asset-focused documents included Will, Living Trust, Durable Power of Attorney for Financial Issues, and the Letter of Instruction. Health care-focused documents included Living Will and the Durable Power of Attorney for Health Care. An analysis was also conducted on the possession of a complete set of estate planning documents. Older persons were more likely to possess all documents except the Letter of Instruction. Respondents with higher assets were more likely to possess a Will. Respondents who were more educated were more inclined to possess a Living Will. Respondents that had informally promised property to their children were more likely to possess a Living Trust. Younger respondents were more likely to intend to possess a Will, the Durable Power of Attorney for Health Care, and the Living Will. Persons with lower assets were more likely to intend to possess a Will, and those with a goal for privacy in financial affairs and who believed they should help their adult children financially were more likely to intend to possess a Living Trust. Participants who intended to possess a Letter of Instruction were more educated, male, owned homes, and had a goal for privacy in financial affairs. Age (younger) was an indirect influence to the Letter of Instruction, mediated through the goal to leave family financial security. Participants with lower assets and in good emotional health did not have intention to possess a Living Trust. Male gender and owning a home were influences on not intending to possess a Durable Power of Attorney for Financial Issues. Males were less likely to have a Letter of Instruction. Respondents with the goal to leave an inheritance were more likely to have non-intention to possess the Durable Power of Attorney for Health Care and Durable Power of Attorney for Financial Issues. More education, lower income, and residing with a relative were mediated influences to the Durable Powers of Attorney for Health Care and for Financial Issues through the goal to leave inheritance. Respondents that were older, had more assets, owned homes, had a goal to leave an inheritance, and that had informally promised their property were more likely to possess more estate documents. Indirect paths to having a set of estate planning documents were more education, lower income, and residing with a relative, which were mediated through the goal to leave inheritance. The low number of estate planning documents respondents had and the lack of intention to obtain estate planning documents indicate a need for further education in the areas of estate planning. The occurrence of older age as an influence, particularly with health care-focused documents, indicates a need for more awareness in younger adults of their vulnerability, at any age, to illness or injury and that medical directives should be in place.
- Families Taking Charge. Dealing with the StressHayhoe, Celia Ray (Virginia Cooperative Extension, 2009-05-01)Families Taking Charge is a multi-part series for individuals and families experiencing financial stress as a result of difficult economic times. This publication focuses on dealing with stress.
- Families Taking Charge. Dealing with UnemploymentHayhoe, Celia Ray (Virginia Cooperative Extension, 2009-05-01)Families Taking Charge is a multi-part series for individuals and families experiencing financial stress as a result of difficult economic times. This publication focuses on dealing with unemployment.
- Families Taking Charge. Deciding Which Bills to Pay FirstHayhoe, Celia Ray (Virginia Cooperative Extension, 2009-05-01)Families Taking Charge is a multi-part series for individuals and families experiencing financial stress as a result of difficult economic times. This publication focuses on deciding which bills to pay first.
- Families Taking Charge. Setting Spending PrioritiesHayhoe, Celia Ray (Virginia Cooperative Extension, 2009-05-01)Families Taking Charge is a multi-part series for individuals and families experiencing financial stress as a result of difficult economic times. This publication focuses on setting spending priorities.
- Families Taking Charge. Talking With Your SpouseHayhoe, Celia Ray (Virginia Cooperative Extension, 2009-05-01)Families Taking Charge is a multi-part series for individuals and families experiencing financial stress as a result of difficult economic times. This publication focuses on communication with your spouse.
- Families Taking Charge: Dealing with the StressHayhoe, Celia Ray; Tyler-Mackey, Crystal (Virginia Cooperative Extension, 2020)Dealing with family stress in economic downturns by rethinking, reducing, relaxing, releasing and reorganizing.
- Families Taking Charge: Dealing with unemploymentHayhoe, Celia Ray; Tyler-Mackey, Crystal (Virginia Cooperative Extension, 2020)Dealing with unemployment in an economic downturn. The stages of loss and grief are shock/denial, volatile emotions, disorganization, guilt, loss and loneliness, relief and recovery.
- Financial Literacy of College Students: Parental and Peer InfluencesJorgensen, Bryce L. (Virginia Tech, 2007-10-02)A current national concern is the low financial literacy of college students. College students are not receiving the financial knowledge necessary to be successful in today's fast paced economy. Due to an increasingly complex marketplace, college students need greater knowledge about their personal finances and the economy. The financial decisions made early in life create habits difficult to break and affect students' ability to become financially secure adults. Most recent studies show average personal financial scores declining with average scores close to a failing grade. The College Student Financial Literacy Survey (CSFLS) was created to collect data specifically for this study. The purpose of this descriptive, cross-sectional, on-line survey design study is three fold. First, I investigated the personal financial literacy (knowledge, attitudes and behavior) of a sample of undergraduate and graduate college students using the personal characteristics of gender, class rank, and socioeconomic status (SES). Second, I examined parental and peer influences on the level of financial literacy of college students. Finally, I examined how college students' financial knowledge and attitudes correlated with their financial behavior. The study found that financial knowledge, attitude, and behavior scores were low but that they significantly increased each year from freshman to masters. Further, students who were financially influenced by their parents had higher financial knowledge, attitude, and behavior scores. Finally, students with higher financial knowledge also had higher financial attitude and behavior scores.
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